Advance Child Tax Credit Payments

Emery is posting Advance Child Tax Credit Payments as soon as the funds are received. For more information, visit the IRS website by clicking here.

Business Loans

Emery Personal Savings

Business Loans

Value and service is crucial to success. Trust your business transactions with a financial institution that understands that as well.

We are pleased to offer members and the business community of Hamilton, Butler and Warren counties complete commercial solutions.

To do this, we offer the following services:

In today’s fast-paced business environment a company credit card is not a luxury, it is a necessity. Regardless of whether your need is for business travel, inventory, office supplies, or a short-term cash need, our business card offers the ease and convenience to conduct your business at your pace and on your terms.

Emery has the resources and the expertise to help our Members finance real estate mortgages, investment properties, and other commercial real estate lending options. We are able to help secure financing on the following investments:

  • 1-4 Family Properties
  • Condominiums
  • Land Purchase
  • Construction Loans
  • Commercial Building Loans
  • Mortgage Lines of Credit

Each loan situation is unique to the company or person requesting. Allow Emery the opportunity to serve your needs with our expertise and value-added service.

We recognize that small businesses are critical to our economic recovery and strength, to building America’s future, and to helping the United States compete in today’s global marketplace. Although SBA has grown and evolved in the years since it was established in 1953, the bottom line mission remains the same. The SBA helps Americans start, build, and grow businesses.

Emery FCU has become a regional partner in this endeavor to expand the entrepreneurial spirit of the small business owner.

SBA 7a Loans

Small businesses of all sizes can apply for SBA 7a loans. The advantages of these loans can be significant for companies in growth stages ranging from start-up to mature businesses.

  • Longer repayment term
  • Lower equity injection required
  • Competitive interest rates
  • Flexible qualifying criteria

SBA 504 Loans

The 504 Loan Program helps growing businesses secure long-term financing for major fixed asset purchases, including land, buildings, machinery, and equipment. Loans can also be used to modernize, renovate, and restore existing facilities.

  • Longer repayment term
  • Lower equity injection required
  • Competitive interest rates
  • A portion of the loan can be a fixed rate with a longer maturity

For more information about Government SBA programs 7a and 504 click here.

The Micro Loan Program provides very small loans to start-up, newly established, or growing small business concerns. Under this program, SBA makes funds available to nonprofit community based lenders (intermediaries), which, in turn, make loans to eligible borrowers. Applications are submitted to the local intermediary and all credit decisions are made on the local level.

Terms, Rates, and Fees

The maximum term allowed for a microloan is six years. However, loan terms vary according to the size of the loan, the planned use of funds, the requirements of the intermediary lender, and the needs of the small business borrower. The maximum loan amount is $35,000; however, the average loan amount is around $13,000. Interest rates vary, depending upon the intermediary lender and costs to the intermediary from the U.S. Treasury. Generally, these rates will be between 8% and 13%.


Business owners contemplating application for a micro loan will generally need to offer some type of collateral, and the personal guarantee of the business owner for this type of loan.

If you are unsure as to whether we are able to provide you with solutions for these services, contact us by calling our Small Business Sales division at (513) 530-9351, Extension 2.

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